From PIN to Biometrics: Assessing Authentication Methods in Preventing Phishing in E-Payment Mobile Application

In Indonesia, the rise of e-payment systems has led to a significant increase in usage. However, it has also raised security concerns, particularly phishing attacks that compromise sensitive user information such as Personal Identification Number (PIN). To address these issues, biometric authentication, using unique physical characteristics like fingerprints and facial recognition, has been introduced to enhance security and restore user trust in e-payment mobile applications. This study focuses on factors influencing user satisfaction with biometrics in e-payment mobile applications. The study evaluates whether biometric authentication can enhance trust and encourage continuous system usage as a new security method despite users' familiarity with PIN-based authentication. The research employs purposive sampling and structural equation modelling. It examines relationships among privacy risk, security risk, system quality, perceived trust, perceived usefulness, self-efficacy, customer satisfaction, and customer continuous usage of biometric authentication. The data was collected from April to July 2024, and 285 respondents aged 13 to over 54 in Indonesia had diverse occupations. This research includes eight hypotheses, with all hypotheses being positive. Key factors affecting consumer satisfaction include trust and the usefulness of biometric authentication. This research contributes to a deeper understanding of biometric authentication's role in e-payment for the banking sector and among e-payment system users.